| Metric | Lincoln Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +5.5% | -9.0 pts |
| Deposit growth (YoY) | -4.7% | +5.1% | -9.7 pts |
| Loan growth (YoY) | -9.1% | +5.9% | -15.1 pts |
| ROA | -1.02% | 1.26% | -2.3 pts |
| ROE | -11.0% | 12.2% | -23.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.71B | $1.47B | $1.17B | $167.8M | $-8.9M | -1.02% | 3.05% | 3.47% |
| Q1 2026 | $1.78B | $1.54B | $1.15B | $162.8M | $-10.6M | -2.40% | 2.91% | 3.20% |
| Q4 2025 | $1.75B | $1.51B | $1.15B | $154.9M | $-545K | -0.03% | 2.82% | 2.65% |
| Q3 2025 | $1.78B | $1.54B | $1.22B | $154.0M | $468K | 0.03% | 2.80% | 2.69% |
| Q2 2025 | $1.78B | $1.55B | $1.28B | $146.9M | $-361K | -0.04% | 2.75% | 2.31% |
| Q1 2025 | $1.80B | $1.57B | $1.34B | $151.8M | $214K | 0.05% | 2.78% | 1.25% |
| Q4 2024 | $1.85B | $1.59B | $1.40B | $151.8M | $162K | 0.01% | 2.47% | 0.99% |
| Q3 2024 | $1.85B | $1.56B | $1.38B | $160.8M | $3.5M | 0.25% | 2.43% | 1.40% |
Loan mix (Q2 2026): real estate $896.4M · commercial $232.1M · consumer $3.4M · securities $296.6M
| Ratio | Lincoln Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.02% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -11.0% | 12.2% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 59.0% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lincoln Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lincoln Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lincoln Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lincoln Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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